Starter
For scores 70+ — solid coverage that just needs a top-up.
- Essential hospitalisation top-up
- Annual coverage review
- Guided application support
- Flexible monthly premiums
Balanced
For scores 40–69 — closes the gaps that matter most.
- Everything in Starter
- Full hospitalisation & surgical cover
- Critical illness protection
- Family coverage options
- Priority claim assistance
Enhanced
For scores under 40 — builds your full safety net.
- Everything in Balanced
- Income protection benefit
- Higher critical illness sum assured
- Waiver of premium on disability
- Dedicated advisor support
Take the 60-second check — your score will point you to the right tier automatically.
Take the Check →Side by side
| Coverage | Starter | Balanced | Enhanced |
|---|---|---|---|
| Hospitalisation & surgical | Top-up | Full cover | Full cover + |
| Critical illness | — | Included | Higher sum assured |
| Income protection | — | Optional rider | Included |
| Premium waiver on disability | — | Optional | Included |
| Family coverage options | — | Included | Included |
| Annual coverage review | Included | Included | Included |
| Claim assistance | Standard | Priority | Dedicated advisor |
| Best for scores | 70 – 100 | 40 – 69 | 0 – 39 |
A simple, guided application process
Applying through Great Eastern is straightforward — and you're never alone in the process. Here's how it works:
Complete your check
Take the 60-second check and note your score and recommended tier.
Review your plan
We'll walk you through the Starter, Balanced or Enhanced option that fits.
Submit your application
Complete Great Eastern's application with our guidance — most forms take minutes.
Underwriting
If medical underwriting is required, we help you through it quickly and honestly.
Get covered
Your policy is issued and your protection is active. We stay on for annual reviews.
Good to know: Great Eastern Life Assurance (Malaysia) Berhad has protected Malaysian families for over a century. Applications are subject to underwriting and acceptance; eligibility, terms, conditions and exclusions apply. We'll always confirm your personal situation before recommending a plan.